Licensed child care centers and preschools in DeLand, Florida can send funding requests through Sableport Capital Group to its funding partners. Child day care services counted 122 employer establishments in Volusia County, FL in 2023. This page covers daycare loans, adding classrooms, furniture and vans, enrollment and subsidy gaps, and the Florida license a partner can ask to see.
At a glance
- Child day care employers, Volusia County, FL
122 (County Business Patterns 2023)
- Child day care employees
1,373 (County Business Patterns 2023)
- Share under five employees
30.3% (County Business Patterns 2023)
Daycare Center Commercial Loans for Daycare and Preschool Owners
Child day care services counted 122 employer establishments in Volusia County, FL in 2023, with 1,373 employees and $42.4 million in payroll, about $30,874 per employee (our arithmetic; County Business Patterns 2023). Only 30.3% had fewer than five employees, so most centers in the count carry a payroll of five or more people every pay period (County Business Patterns 2023).
Nonemployer Statistics counted 646 businesses in the child day care group without paid employees for 2024 (Nonemployer Statistics 2024), a separate program that includes family child care homes run by one person.
Daycare Business Loans for Licensed Centers Adding Classrooms
Illustration only, invented figures: a center adds 2 classrooms at $14,500 each for furniture, cots, cubbies and learning materials, $29,000 in all (our arithmetic). Financed over 60 months at an invented 10% annual rate, that is about $616 a month (our arithmetic). The new classrooms carry new teachers before the new children's tuition arrives.
A build-out for the rooms, with any required inspection, fits a term loan; the furniture fits equipment financing.
Childcare Business Loans for Early-Learning Centers
- Twelve months of bank statements.
- An enrollment roster summary by month, with capacity.
- Subsidy and voucher payment records, if the center accepts them.
- The center's Florida license or registration details.
- The lease and its remaining term.
How to Get a Loan for a Daycare in Florida When the License Comes First
A Florida child care license is the first thing a partner can ask to see, because the license is central to a center's business. The Florida child care license guide explains how to look up a license and where the state's licensing standards are published. Licensing rules and ratios are set by the state; confirm every requirement with the licensing office.
A partner then reads enrollment, payments and the lease. A center with a waiting list can show it, since it points to demand for new classrooms.
Daycare Business Loans in Florida: The Subsidy Gap
Illustration only, invented figures: a center serves families in a subsidy program and waits about 45 days for $31,000 in reimbursements while paying teachers every two weeks. A line of credit draws for payroll and pays down as reimbursements arrive; a working capital loan covers a one-time gap such as the first months of a new classroom.
Loans for a Daycare Business: Vans and Playgrounds
Illustration only, invented figures: a $58,000 passenger van for field trips and pickups, financed over 60 months at an invented 9% annual rate, costs about $1,204 a month (our arithmetic). Playground equipment, safety surfacing and fencing are financed the same way, secured by the equipment where a funder accepts it.
Equipment financing sets out how a van loan differs from a lease.
Loans for Volusia County, FL Child Care Centers Buying an Existing Center
Buying a running center brings its license questions, staff, enrollment and lease. A license does not transfer automatically; ask the state licensing office how a change of ownership is handled before signing. A term loan covers the business purchase, read on the seller's enrollment history and the buyer's own experience.
- The seller's enrollment by month for two years.
- Staff roster and credentials.
- The lease and the landlord's consent.
- Inspection history from the state.
Loans for Daycare Centers: Options Set Side by Side
A line of credit covers recurring payroll gaps. A working capital loan covers a one-time gap. Equipment financing covers furniture, vans and playgrounds. A term loan covers classrooms, build-outs and buying a center. Compare each in total dollars for the need at hand.
Child Care Resource and Referral Funding Around DeLand, FL
Florida subsidy and early learning payments to centers that serve eligible families are handled through local early learning coalitions. Those payments are receipts a partner can read, and their timing is what a line of credit smooths. Ask the coalition serving the county how payment schedules work; confirm every program rule with that office.
The article on what daycare center financing can pay for goes through furnishings, vans and enrollment gaps.
By Sableport Capital Group · Updated